The year 2025 marks a pivotal turning point for the European financial sector. With the simultaneous implementation of DORA on January 17, 2025, the finalization of MiCA, and the imminent arrival of PSD3, financial institutions face unprecedented regulatory complexity. According to Fintech Latvia, this regulatory convergence represents one of the most significant challenges ever encountered by the European financial ecosystem.

Faced with this regulatory avalanche, an emerging solution is radically transforming the compliance approach: Compliance-as-a-Service (CaaS). This approach, powered by innovative low-code platforms, enables simultaneous automation of compliance with these three major regulations. The CaaS market, valued at $3.58 billion in 2024, is expected to reach $9.97 billion by 2033, demonstrating this structural transformation.

For financing players like Basikon, this revolution represents a unique opportunity to transform regulatory constraints into sustainable competitive advantages.

The 2025 Regulatory Triptych: DORA, MiCA, and PSD3 Decoded

DORA: Digital Operational Resilience Mandatory from January 2025

The Digital Operational Resilience Act (DORA) has imposed since January 17, 2025, a binding regulatory framework for ICT and communication risk management. As explained in Basikon's comprehensive DORA guide, this regulation focuses on four main pillars: ICT risk management framework, ICT incident reporting, digital resilience testing, and third-party ICT service provider risk management.

Financial institutions must now prove the integrity of their complete operational setup, with strict requirements for cybersecurity and operational resilience. This obligation extends to critical third-party service providers, creating an interconnected compliance ecosystem.

MiCA: Unified Crypto-Asset Regulation in the EU

The Markets in Crypto-Assets (MiCA) regulation establishes a unified legal framework for the crypto-asset industry within the European Union. Implemented progressively, it aims to fill the gaps in national regulations that fragmented the market. MiCA applies to all actors involved in issuing, offering, trading, or providing services related to crypto-assets.

This regulation imposes strict requirements for consumer protection, financial stability, and cybersecurity measures, creating new compliance challenges for institutions offering digital asset-related services.

PSD3: Evolution of Payment Services and Enhanced Authentication

The Payment Services Directive 3 (PSD3) strengthens the payment services regulatory framework with more extensive strong customer authentication rules and stricter payment system access rules. According to OkayThis analysis, PSD3 aims to protect consumer rights and personal information while improving competition in the payments industry.

This directive merges the provisions of PSD2 and the e-money directive, creating a unified but complex framework that institutions must master.

Compliance-as-a-Service: The Low-Code Revolution in Compliance

Definition and CaaS Principle: Automate to Secure

Compliance-as-a-Service (CaaS) represents a cloud-based model that enables businesses to outsource their regulatory compliance management to specialized providers. As highlighted by Transputec, these providers use cutting-edge technologies, pre-built frameworks, and expert guidance to help organizations navigate complex regulatory landscapes.

The CaaS approach transforms traditional compliance processes by automating monitoring, reporting, and risk management. This automation ensures that compliance tasks are performed consistently and accurately, minimizing the risk of human error.

The Competitive Advantage of Low-Code Platforms

Low-code platforms revolutionize the CaaS approach by enabling rapid and flexible configuration of compliance processes. Unlike traditional solutions, these platforms allow easy creation and adjustment of new elements to meet all regulatory requirements while remaining maintainable.

As demonstrated by the case of Arrawaj Foundation, which manages 200,000 active microcredit contracts, a low-code platform can process over one million daily accounting entries while maintaining strict regulatory compliance. This simultaneous processing and control capacity perfectly illustrates the power of low-code solutions for large-scale compliance.

Expanding Market: $3.58 Billion in 2024 to $9.97 Billion in 2033

The Compliance-as-a-Service market is experiencing exceptional growth, with a compound annual growth rate (CAGR) of 12.1% projected between 2025 and 2033. This expansion is explained by increasing regulatory complexity, the need for cost-effective solutions, and growing data security concerns.

According to Zenphi, 2025 trends include artificial intelligence integration for real-time monitoring, focus on data privacy, and increasing adoption of CaaS models by organizations seeking expertise, cost savings, and scalability.

Simultaneous Automation: How Low-Code Platforms Orchestrate DORA, MiCA, and PSD3

Unified Architecture for Interconnected Regulations

One of 2025's major challenges lies in the interconnection of DORA, MiCA, and PSD3 regulations. These three regulatory frameworks, while distinct, share common requirements for security, reporting, and risk management. Modern low-code platforms, like those developed by Basikon Core Banking, offer a unified architecture capable of managing these cross-cutting requirements.

This unified approach enables financial institutions to develop a coherent compliance strategy, avoiding process fragmentation and costly duplications. The modular architecture of low-code platforms facilitates the integration of new compliance modules as regulatory requirements evolve.

Automated Workflows and Real-Time Reporting

Automated workflows constitute the core of CaaS efficiency. These processes automate data collection, risk analysis, and regulatory report generation compliant with DORA, MiCA, and PSD3 requirements. The case of Calvin (formerly M3 Leasing) perfectly illustrates this automation: the company obtained its regulatory approval in 2020 and maintains its compliance through completely dematerialized and optimized processes.

Real-time reporting enables institutions to continuously monitor their compliance posture and react quickly to regulatory changes. This rapid response capability becomes crucial in an environment where European regulators constantly adjust their requirements.

Native API Integration with Existing Systems

One of the decisive advantages of modern low-code platforms lies in their native API integration capability. Unlike traditional solutions that create silos, these platforms integrate seamlessly with existing IT infrastructure. The case of Orion Leasing demonstrates this capability: the company integrated over 25 local data platforms via API, including credit bureaus, business registries, and personal records.

This 100% API architecture, characteristic of Basikon Core Lending solutions, enables real-time synchronization of compliance data across all systems, ensuring perfect consistency of regulatory information across the entire financial ecosystem.

Concrete Use Cases: When Theory Meets Practice

Arrawaj's Digital Transformation: 1 Million Daily Accounting Entries

The Arrawaj Foundation, a Moroccan microfinance institution managing 200,000 active microcredit contracts, perfectly illustrates the power of low-code CaaS. Faced with managing separate legacy systems (Finacle Core Banking and proprietary tools), the institution migrated to a unified Basikon platform in just 18 months.

Today, nearly one million accounting entries are processed daily with automated regulatory compliance. This transformation demonstrates how a CaaS approach can simultaneously manage financial compliance requirements, anti-money laundering controls, and regulatory reporting specific to financial inclusion, while maintaining exceptional performance.

Calvin's Regulatory Agility in Switzerland

Calvin represents a perfect example of regulatory agility in a highly regulated environment. The Swiss company obtained its regulatory approval in 2020 and maintains its compliance through the Basikon platform that manages partner onboarding, contract management, and integration with banking partners in Switzerland's regulated environment.

The project, completed in just 4 months, enabled complete dematerialization with zero paper and optimized compliance processes. This deployment speed, characteristic of low-code platforms, allows institutions to quickly adapt to regulatory changes like DORA, MiCA, and PSD3.

Orion Leasing's International Scalability: Multi-Country Compliance

Orion Leasing demonstrates the capability of low-code platforms to manage multi-jurisdictional compliance. The Lithuanian company tripled its client base while maintaining perfect compliance across different European markets. The platform ensures that configuration aligns with specific rules and regulations for each country, perfectly anticipating the regulatory harmonization challenges that DORA, MiCA, and PSD3 represent.

With over 90,000 automated data exchanges and 25 local API integrations, Orion Leasing illustrates how a low-code architecture can orchestrate large-scale compliance while maintaining the flexibility necessary for geographical expansions.

Strategic Advantages and ROI of Low-Code CaaS

Reduced Compliance Costs and Fine Risks

The CaaS approach generates substantial savings by automating traditionally costly manual processes. According to Transputec analyses, outsourcing compliance functions to a CaaS provider is often more cost-effective than maintaining an internal team, providing access to a comprehensive suite of compliance services without the overhead costs associated with hiring and training specialized personnel.

More crucially, automation drastically reduces the risks of human errors and non-compliance, protecting institutions from potentially massive fines. In a context where European regulators strengthen their controls, this protection becomes a decisive competitive advantage.

Accelerated Time-to-Market for New Financial Products

Low-code platforms transform the time-to-market for financial products. As demonstrated by Leascorp, which can now design and deploy any new commercial channel in less than a week, agility becomes a major differentiating factor. This speed enables institutions to quickly seize market opportunities while maintaining perfect compliance with DORA, MiCA, and PSD3 regulations.

Automation of regulatory validation processes also accelerates new product approvals, creating a virtuous cycle between innovation and compliance.

Scalability and Adaptability to Future Regulations

One of the most strategic advantages of low-code CaaS lies in its intrinsic scalability. Unlike rigid legacy systems, these platforms naturally adapt to regulatory changes. As OkayThis anticipates, the European regulatory environment will continue to evolve with discussions already underway on PSD4, making this adaptability crucial.

Low-code platforms enable institutions to remain proactive rather than reactive to regulatory changes, transforming compliance from a cost into a strategic advantage.

Conclusion

The year 2025 marks a decisive turning point where automated regulatory compliance becomes not an option but a strategic imperative. Faced with the convergence of DORA, MiCA, and PSD3, financial institutions that adopt a Compliance-as-a-Service approach based on low-code platforms transform their regulatory constraints into sustainable competitive advantages.

The concrete cases of Arrawaj, Calvin, and Orion Leasing demonstrate that this transformation is not theoretical but perfectly achievable. With a CaaS market growing at 12.1% annually, reaching nearly $10 billion by 2033, early adopters benefit from a significant competitive advantage.

The future belongs to institutions that embrace this technological revolution, transforming European regulatory complexity into a driver of innovation and operational efficiency. In this new era, the question is no longer whether to adopt CaaS, but how to implement it most quickly and effectively.

Transform your DORA, MiCA, and PSD3 compliance challenges into competitive advantages. Discover how Basikon's low-code platform automates your regulatory compliance by requesting a free demo.

FAQ

How can a low-code platform simultaneously manage DORA, MiCA, and PSD3?

Modern low-code platforms offer a unified architecture that handles the cross-cutting requirements of these three regulations. Through automated workflows and native API integration, they synchronize compliance data in real-time, avoiding process fragmentation while maintaining regulatory consistency across the entire financial ecosystem.

What are the implementation timelines for a CaaS solution?

Timelines vary depending on complexity, but low-code platforms enable remarkably fast deployments. Calvin implemented its solution in 4 months, while Arrawaj migrated its complete system in 18 months. The current record for a fully connected MVP in production is 2 months, demonstrating the exceptional agility of this approach.

How can compliance be ensured during regulatory updates?

CaaS platforms integrate automatic update mechanisms that guarantee constant alignment with regulatory changes. Specialized providers continuously monitor regulatory changes and deploy necessary adjustments, enabling institutions to remain compliant without complex manual intervention.

What savings can be expected with a CaaS approach?

The CaaS approach generates substantial savings by eliminating the costs of hiring and training specialized personnel, reducing fine risks through automation, and accelerating time-to-market for new products. Institutions can thus reallocate their resources to high-value activities like customer relations and business development.

Is the low-code solution compatible with legacy systems?

Absolutely. Modern low-code platforms are designed to integrate seamlessly with existing IT infrastructure through their 100% API architecture. Orion Leasing integrated over 25 local data platforms, demonstrating these solutions' capability to connect legacy systems and new services without operational disruption.